meant. now, what i've done as a governor and as a mayor is [inaudible] i've had that track record of reform. and i've joined this team that is a team of mavericks with john mccain, also, with his track record of reform, where we're known for putting partisan politics aside to just get the job done. now, barack obama, of course, he's pretty much only voted along his party lines. in fact, 96% of his votes have been solely along party line, not having that proof for the american people to know that his commitment, too, is, you know, put the partisanship, put the special interests aside, and get down to getting business done for the people of america. we're tired of the old politics as usual. and that's why, with all due respect, i do respect your years in the u.s. senate, but i think americans are craving something new and different and that new energy and that new commitment that's going to come with reform. i think that's why we need to send the maverick from the senate and put him in the white house, and i'm happy to join him there. >> governor, senator, neither of you really answered that last question about what you would do as vice president. i'm going to come back to that -- [laughter] throughout the evening to try to see if we can look forward, as well. now, let's talk about -- the next question is to talk about the subprime lending meltdown. who do you think was at fault?